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A name change is not a fresh start
When a company changes its name, its registration number, accounts history and credit file all carry over. The legal entity is identical; only the label changed. Lenders track you by number, so nothing resets.
Why that matters both ways
Good news if your record is strong — it all follows the new name. It also means a name change cannot be used to escape a poor history. Be ready to confirm the previous name so the lender can match records cleanly.
Applying
Note the former name on your application and have accounts to hand. Then apply online.
Frequently asked questions
Does changing my company name reset my credit file?
No. The credit file follows the company number, which does not change with a rename. Your full history carries over.
Should I tell the lender about the old name?
Yes. Disclosing the former name lets the lender match your accounts and credit history correctly and avoids delays.
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